There for you when you need us most
Paying claims underpins the foundation of why we exist - to look after our customers.
What can you expect when you claim with NobleOak?
94.9% of life cover claims accepted
NobleOak accepted 94.9% of life cover claims in 2023.**
Dedicated claims case manager
All customers on claim are assigned a dedicated Australian based claims case manager to guide them through the process.
Fast claims processing
Claims are processed once approved within three business days on average.
More confidence at claims time
NobleOak offers fully underwritten insurance which means that, although you’ll need to provide more information when you apply, you will have more confidence when you make a claim. By taking out fully underwritten life insurance, the claims process may be simpler than it may be with other partially underwritten or automatic cover, and the burden on your loved ones may be reduced. We want to pay claims quickly and efficiently.
A dedicated case manager with you from start to finish
We have a small Australian-based team who work closely together. You will be provided a dedicated case manager who can help you understand your cover and the claim process, including the information you need to share. They will be by your side throughout the journey, helping to simplify the process and keep you informed.
Flexibility through the process
Every claim is different, because each of our customers has a different set of circumstances and needs. Being ill or losing a loved one can be one of most challenging periods in in a person’s life. NobleOak is committed to responding to our customers with flexibility so we can provide an outstanding claims experience.
How does this work in real life? A fictional case study example is provided below:
Saathi phoned NobleOak to make a claim on his disability income cover. Saathi was worried about having to complete forms as he’d been struggling with complex tasks since experiencing depression. Saathi was able to speak with his dedicated case manager in a series of short calls over a few days to provide the information necessary to assess his entitlements. His case manager then wrote directly to his doctors rather than requiring him to have a further form completed.
Accessibility and responsiveness
We’re a nimble company which prides itself on quick response times.
Once payments are approved, claims payments are processed within two business days on average.
What support would you receive if you needed to claim?
We’ll quickly advance your family with $15,000 of your life cover amount to assist with funeral expenses, upon evidence of age and receipt of the death certificate.
We also provide a grief counselling benefit reimbursing up to $1,000 of the cost of grief counselling services for you, your spouse or partner if we pay a benefit for death or terminal illness.
We provide a Financial Advice Benefit whereby we will reimburse up to $5,000 of the costs of engaging a qualified financial adviser to prepare a financial plan for the proceeds of a lump sum claim (if we pay a benefit in excess of $200,000).
Your case manager would work with you to help you return to wellness and work. When life’s been turned upside down, it’s nice to know there will be someone to help you plan the path forward. Our Recovery at Work Benefit provides financial support, in addition to your monthly benefit payment. We’ll work with your healthcare provider to develop rehabilitation plans, and fully fund the cost of these programs to help you return to your life before illness or injury. If you’re unable to return to your pre-disability job, we can help with vocational counselling and retraining. We want to see you back on your feet, in fulfilling work.
How does this work in real life? A fictional case study example is provided below:
Gina was diagnosed with breast cancer just after her 50th birthday. She started chemotherapy right away. The doctors had spoken to her about the benefits of exercise in managing fatigue, but it was all she could do to just survive each day – exercise was the last thing on her mind. With the support of her oncologist, NobleOak arranged an exercise physiologist and a cancer coach to support Gina during the early days. Having someone to talk to who understood what Gina and her family were going through made the journey a little bit easier to navigate.
Months down the track when treatment was complete and Gina was ready to try to return to work, NobleOak arranged an occupational therapist to help Gina and her employer plan a gradual return. The therapist was able to help Gina’s manager understand and accommodate her flexibility needs and recommended NobleOak pay for some modifications to her workstation to reduce discomfort. Gina was also able to see the exercise physiologist again to revise her exercise plan now that her daily activities had changed. The support from the various experts that were engaged during Gina’s journey enabled Gina to feel more comfortable in her return to work and her ability to return to her regular lifestyle and activities.
About our dedicated claims team
Our experienced team has an average of 16 years’ experience. We’re from a range of backgrounds professionally and personally, because diversity helps us understand and support the uniqueness of each of our customers. We all hold qualifications in life insurance, finance and claims management. But outside our professional roles, we’re also counsellors, trainers, event planners, coaches, social workers, photographers, parents, spouses and carers. We want to support you because we care about you and all the roles you play too.
Need to make a claim?
If you’re an existing customer, it’s important to know what the steps are if you need to claim on your NobleOak cover. We aim to make this process as simple and streamlined as possible with a simple four step process. Find out more here.
For more information on the claims process please read our claims guide here.
**As reported by MoneySmart.gov.au sourced from ASIC from 1 January 2023 to 31 December 2023. Full table can be accessed at Life insurance claims comparison tool – Moneysmart.gov.au